SMW 104
Charter #14934 · Livermore, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 10,986 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.61% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.16% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 55.12% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 75th — a 64-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SMW 104 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $116.78M | 11th pct | 75th pct |
| Members | 10,986 | 38th pct | 75th pct |
| Net worth ratio | 12.47% | 63th pct | 59th pct |
| Return on average assets | 2.61% | 99th pct | 98th pct |
| Net interest margin | 3.77% | 57th pct | 41th pct |
| Cost of funds | 1.16% | 47th pct | 75th pct |
| Loan-to-share | 52.27% | 14th pct | 52th pct |
| Delinquency 60+ days | 0.51% | 42th pct | 36th pct |
| Net charge-off ratio | 0.30% | 43th pct | 38th pct |
| Loan growth YoY | 8.58% | 96th pct | 97th pct |
| Share growth YoY | 2.06% | 29th pct | 36th pct |
| Efficiency ratio | 55.12% | 4th pct | 3th pct |
structural peer set hash: c14cb34594ed33409261ec1f8cdedf81… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.